Tamilnad Mercantile Bank Limited · NSE:TMB

Tamilnad Mercantile Bank — H1 FY2023 Earnings Presentation

32 slides from Tamilnad Mercantile Bank's earnings presentation, Oct 27, 2022

  1. Slide 1: Stock exchange cover letter for investor presentation

    Secretarial Department Head Office, 57- V.E. Road, Thoothukudi – 628 002. ☏: 0461-2325136 e-mail : secretarial@tmbank.in CIN: U65110TN1921PLC001908 Ref.No.TMB.SE.14/2022-23 27.10.2022 The Manager, The Manager, Bombay Stock Exchange limited, National Stock Exchange of India Ltd, Phiroze Jeejeebhoy To

  2. Slide 2: Investor Presentation Half year ended Sep'22

    Tamilnad Mercantile Bank Ltd Investor Presentation Half year ended 30% Sep’22

  3. Slide 3: Disclaimer

    Disclaimer This presentation has been prepared by Tamilnad Mercantile Bank Ltd., (“the Bank”) solely by the Bank for information purposes only. This presentation is not a complete description of the Bank and the information contained herein is only current as of its date and has not been verified by

  4. Slide 4: Table of Contents

    Table of Contents Digital Banking Overview 24 04 Capital 25 Performance Highlights 05 Professional Board / Management 26 Financial Performance Branch Network 10 28 www.tmb.in 3

  5. Slide 5: Old generation private sector bank with ~100 year legacy

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management • Old generation private sector bank with ~100 year legacy transitioning into a bank providing tech-oriented banking services to its customers • Thrust on lending to Retail, A

  6. Slide 6: Half Year ended Sep'22

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Half Year ended Sep’22  CASA increased by 15.33 % from ₹ 11439 Cr to ₹ 13193 Cr YoY  Net Interest Income increased by 18.04% from Rs.874.75 Cr to Rs.1032.57 Cr YoY  Operati

  7. Slide 7: September'22 vis-à-vis September'21 (YoY)

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management September’22 vis-à-vis September’21 (YoY) www.tmb.in 6

  8. Slide 8: Overview: Business Parameters

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Business Parameters MAR-21 (12M) JUN-21 (3M) SEP-21 (3M) SEP-21 (6M) DEC-21 (9M) MAR-22 (12M) JUN-22 (3M) SEP-22 (3M) SEP-22 (6M) a.Savings 8088.95 8074.26 8100.02 8100.02 824

  9. Slide 9: Business Mix

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Business Mix (₹ in Crores) (in %) (₹ in Crores) Total Business CASA (in %) 90000 82.00% 16000 30.64% 31.00% 80.85% 30.50% 80000 81.00% 30.58%30.50% 14000 33748 34877 80.00% 33

  10. Slide 10: Advances Portfolio Mix H1FY23

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management (₹ in Crores) Advances Portfolio Mix H1FY23 Particulars Jun’21 Sep’21 FY21 FY22 Jun’22 Sept’22 H1FY23 Gross Advances 31,208 31,598 31,541 33,748 33,823 34,877 4674 7127 Of whi

  11. Slide 11: H1FY2023 vs H1FY2022 Performance – A Snapshot

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management H1FY2023 vs H1FY2022 Performance – A Snapshot (₹ in Crores) Business Parameters Q1FY22 Q1FY23 Q2FY22 Q2FY23 H1FY22 H1FY23 Growth Y.O.Y(%) Interest Income 937.67 1002.15 950.30

  12. Slide 12: Key Ratios (Annualised)

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management KEY RATIOS (Annualised) MAR-21 JUN-21 SEP-21 DEC-21 MAR-22 JUN-22 SEP-22 (12M) (3M) (6M) (9M) (12M) (3M) (6M) Profit per Employee 13.93 4.69 9.19 13.44 18.60 5.37 10.97 (Rs in

  13. Slide 13: H1FY2023 Financial Performance

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management H1FY2023 Financial Performance (₹ in Crores) (Half Year Ended) (₹ in Crores) (Half Year Ended) Operating Profit Net Profit 900 600 764 497 800 689 500 700 582 392 600 400 500

  14. Slide 14: RoE and RoA

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management (Half Year Ended-cumulative) (Half Year Ended-cumulative) RoE RoA (Annualised) (Annualised) 17.50% 2.10% 16.53% 1.93% 16.50% 16.84% 1.90% 15.50% 1.70% 1.63% 14.50% 1.50% 13.50

  15. Slide 15: Cost of Funds, Cost of Deposits, Cost to Income, Credit Cost

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Cost of Funds Cost of Deposits 6.80% (Half Year Ended) (Half Year Ended) 6.33% 6.80% (Annualised) (Annualised) 6.30% 6.33% 6.30% 5.78% 5.80% 5.73% 5.80% 5.30% 4.99% 5.30% 5.00

  16. Slide 16: Yield on Advances, Funds and Investments

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Yield on Advances Yield on Funds Yield on Investments (Half Year Ended) (Half Year Ended) (Half Year Ended) 10.40% (Annualised) 9.80% 9.60% (Annualised) 7.60% (Annualised) 10.

  17. Slide 17: Resolution Framework Position as on 30.09.2022

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Resolution Framework Position as on 30.09.2022 (₹ in Crores) Exposure to accounts Exposure to accounts Of (A) amount classified as Standard Of (A), aggregate Of (A) amount cla

  18. Slide 18: Restructured Advances

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Restructured Advances (₹ in Crores) Particulars MAR-21 JUN-21 SEP-21 DEC-21 MAR-22 JUN-22 SEP-22 Advances (Gross) 31541.03 31208.20 31597.66 31995.32 33748.17 33822.76 34876.5

  19. Slide 19: Sector wise Restructured Accounts

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management (₹ in Crores) Sector wise Restructured Accounts Sector MAR-21 JUN-21 SEP-21 DEC-21 MAR-22 JUN-22 SEP-22 1.Retail 5.34 84.38 170.02 187.85 185.16 181.88 180.42 2.AGRI 8.28 10.8

  20. Slide 20: Sector wise SMA Position as on 30.09.2022

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management (₹ in Crores) Sector wise SMA Position as on 30.09.2022 SMA-0 SMA-1 SMA-2 Total Sector No of No of No of A/cs Balance Balance Balance No of A/cs Balance A/cs A/cs Retail 8327

  21. Slide 21: Sector wise Slippages and Recoveries

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management (₹ in Crores) Sector wise Slippages Position Sector MAR-21 (3M) JUN-21 (3M) SEP-21 (3M) DEC-21 (3M) MAR-22 (3M) JUN-22 (3M) SEP-22 (3M) Retail 58.46 50.86 5.81 8.22 1.30 5.88

  22. Slide 22: Asset Quality Position – over the Years

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Asset Quality Position – over the Years (₹ in Crores) Particulars MAR-21 JUN-21 SEP-21 DEC-21 MAR-22 JUN-22 SEP-22 Opening Balance of Gross NPA 1020.98 1084.78 1193.70 1045.26

  23. Slide 23: Sector wise NPA Position – over the Years

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management (₹ in Crores) Sector wise NPA Position – over the Years Sector MAR-21 (12M) JUN-21 (3M) SEP-21 (6M) DEC-21 (9M) MAR-22 (12M) JUN-22 (3M) SEP-22 (6M) Y-o-Y Retail 86.35 102.36

  24. Slide 24: GNPA, NNPA and Provision Coverage Ratio

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management (Quarterly) (Quarterly) GNPA NNPA Provision Coverage Ratio 4.50% 88.08% 3.82% 87.92% 4.00% 89.00% 3.31% 88.58% 3.50% 87.00% 3.08% 3.00% 85.00% 2.33% 83.71% 2.50% 83.00% 2.00%

  25. Slide 25: Digital Transaction Growth

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Values in Cr Net Banking Transactions Mobile Banking Transactions Digital Transaction Growth 43605 15198 10354 24488 21785 21795 7086 6865 FY21 FY22 Q1FY23 H1FY23 FY21 FY22 Q1

  26. Slide 26: EPS, Book Value per Share and Net Worth

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management (Annualised) Earning Per Share (EPS) Book Value per Share Net Worth 450.00 6461 80.00 7000 400.00 5336 5427 70.00 6000 4906 5109 350.00 4715 60.00 5000 300.00 6303 (₹ in Crore

  27. Slide 27: A strong board with experience across banking, accounting and auditing (1/2)

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management A strong board with experience across banking, accounting and auditing (1/2) Shri. S.Krishnan Managing Director and Shri. Nirranjan Kani D.N. Shri. Niranjan Sankar A Dr. S. R.

  28. Slide 28: A strong board with experience across banking, accounting and auditing (2/2)

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management A strong board with experience across banking, accounting and auditing (2/2) Shri. Nagarajan K. Shri. Balakrishnan Prabaharan Smt. Ezhil Jothi S Shri. Chiranjeevi Raj C. Indep

  29. Slide 29: Branch Network

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management www.tmb.in 28

  30. Slide 30: Strategic Partnerships

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Strategic Partnerships www.tmb.in 29

  31. Slide 31: Strategic Partnerships

    Performance Financial Digital Professional Branch Overview Highlights Performance Capital Board / Network Banking Management Strategic Partnerships www.tmb.in 30

  32. Slide 32: Thank You

    Tamilnad Mercantile Bank Limited No. 57, Victoria Extension Road, Thoothukudi – 628 002, Tamil Nadu, India Investor Contact Mr.P.A.Krishnan, CFO Mob: 63852 28111 E-mail: cfo@tmbank.in Mr.Prakash Chandra Panda, Company Secretary & Compliance Officer Mob: 96595 23378 E-mail: cs@tmbank.in Website: www.

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